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- Tasks: Lead strategy for managing stressed assets across Europe & Americas and optimise credit risk portfolios.
- Company: Join Standard Chartered, a global bank committed to diversity and inclusion.
- Benefits: Enjoy competitive salary, flexible working, and generous leave policies.
- Why this job: Make a real impact in financial performance and risk management while developing your leadership skills.
- Qualifications: 20+ years in banking with expertise in structured finance and credit risk management.
- Other info: Be part of a values-driven culture that prioritises wellbeing and professional growth.
The predicted salary is between 72000 - 108000 £ per year.
Assist Regional Head CPM and Head Stressed Asset Group to implement the strategy for CPM as it relates to management of stressed exposures across Europe & Americas region. Stressed exposures include legacy CG 13 and CG 14 exposures, with CG 12 exposures under co-management with Frontline. Ensure adherence to CPM business conduct framework in implementing this strategy. Reinforce first line ownership of risk in managing emergent risks in the Europe & Americas CIB portfolio, ensure timely detection and mitigation, and collaborate with Risk, FM/Banking teams to manage down the stressed asset portfolio to improve RoTE for CIB and the Group.
Provide transparency on the cost and risk of mitigation actions and the underlying decision making, feeding data into CIB’s data/credit modelling regimes. Monitor the overall CIB credit risk portfolio with CPM Regional Heads to reduce exposures through secondary distribution and/or hedging, thereby reducing concentration risk and freeing regulatory capital. Optimise the portfolio while maintaining risk tolerance.
Responsibilities
- Strategy Develop clear milestones to measure progress of the Stressed Asset Group’s strategy for Europe & Americas; maintain the Stressed Asset Group execution tracker for regional portfolio progress. Challenge and support impairment forecasts by First Line based on external environment; balance judgement where needed. Develop team skill sets in Structured Finance, Project Finance, Leverage Finance and CRE.
- Business Drive financial performance against targets including RoRWA/RoTE and RWA targets for CIB. Improve efficiency, speed, and productivity of capital for the stressed asset portfolio and broader CIB balance sheet. Reinforce first-line ownership of risk and origination discipline / Risk Management. Support early action and analytics by providing likely credit migration scenarios and assist exposure management within the good book before downgrades to stressed. Collaborate with RM teams to determine credit risk grades and provisioning on stressed assets in the region. Work with frontline teams and other risk partners to adhere to CG12 and CG13/14 Roles & Responsibility documents and Problem Accounts Management Standards. Ensure material impairments and related issues are reported to Regional Head CPM, Head SAG, and relevant risk governance committees. Minimise risk related to litigation, environmental claims, regulatory censure, or reputational loss in regard to stressed assets. Provide feedback to frontline teams on improvements in origination, documentation, or early problem recognition.
- Reduce P&L volatility while managing returns Drive continuous improvement of operational efficiency and standardisation of processes. Assess data availability and integrity; adapt mandate for governance and resolution. Set strategic objectives and performance measures, including break-even RoTE for mitigation actions and cover ratio for stressed assets.
- Optimise liquidity and capital resources to support CIB growth Align global priorities with local balance sheet realities while undertaking mitigation actions; raise awareness through proactive engagement.
- Processes Support and manage CPM processes allocated to the CEO, CIB by the Group process universe within risk and governance frameworks. Implement policies & controls set by risk control owners; ensure compliance and risk appetite alignment. Ensure a framework for effective operational risk management within Stressed Asset Group and compliance with applicable policies and laws.
- Risk Management Ensure risk appetite and reputational/credit risks are managed with direct reports and stakeholders. Adhere to regulatory and compliance standards, including AML requirements. Resolve audit and compliance issues promptly; escalate risk matters to relevant risk committees as needed.
- Regulatory & Business Conduct Display exemplary conduct and uphold the Group’s Values and Code of Conduct. Embed highest standards of ethics and regulatory compliance across the Bank. Identify, escalate, mitigate and resolve risk, conduct and compliance matters; include standard local regulatory responsibilities where applicable.
- Key stakeholders Internal: Regional/Country Client Coverage Heads, Risk, Product Heads, CFOs, Regional Chief Risk Officers, HR, Legal, Compliance. External: SAGs at other financial institutions, funds and portfolio teams, regulators, external lawyers/accountants.
- Other Responsibilities Leverage CSR opportunities to enhance the Group’s reputation and bottom line. Promote the Group’s brand with clients, stakeholders and regulators. Perform other responsibilities per Group, Country, Business or Functional policies.
- People & Talent Lead by example, set culture and values for the Stressed Asset Group; collaborate with risk and control partners. Provide effective leadership, communicate vision, and build commitment to priorities. Ensure staff have clear objectives aligned to performance reviews and accountability.
Skills and Experience Financial Analysis, Financial Statement analysis, Business markets, Capital management, Commercial Loan review, Portfolio Management, Financial Products and Markets, ALM, Legal analysis.
Qualifications Graduate qualifications (MBA, CFA, Chartered Accountancy, Mathematics/Statistics, Lawyer) and over 20 years of experience in banking/FS, underwriting and recoveries across regions. Experience in Structured Finance, Project Finance, Leverage Finance and CRE; knowledge of credit risk, portfolio and balance sheet management; credit products and securitisation.
About Standard Chartered We’re an international bank, with a purpose to drive commerce and prosperity through diversity and inclusion. We offer a competitive salary and benefits. Our values guide conduct and ethics; we strive to be fair, effective, and inclusive.
What we offer Competitive salary and benefits to support wellbeing. Core bank funding for retirement savings, medical and life insurance; flexible benefits. Time-off including annual leave, parental/maternity leave, sabbatical, volunteering leave; 30 days minimum holidays. Flexible working options by location. Wellbeing support through programs and resources. Learning opportunities and development programs. Inclusive, values-driven culture.
Executive Director - Credit & Portfolio Management employer: Standard Chartered
Contact Detail:
Standard Chartered Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Executive Director - Credit & Portfolio Management
✨Tip Number 1
Network like a pro! Reach out to connections in the finance and banking sectors, especially those who work in credit and portfolio management. A friendly chat can lead to insider info about job openings that aren’t even advertised yet.
✨Tip Number 2
Prepare for interviews by researching the company’s recent projects and challenges in the stressed asset space. Show them you’re not just another candidate; you’re someone who understands their business and can contribute right away.
✨Tip Number 3
Practice your pitch! You need to clearly articulate how your experience aligns with their needs, especially around risk management and financial performance. Keep it concise and impactful—think of it as your personal brand statement.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, we love seeing candidates who take the initiative to engage directly with us.
We think you need these skills to ace Executive Director - Credit & Portfolio Management
Some tips for your application 🫡
Tailor Your Application: Make sure to customise your CV and cover letter to highlight your experience in credit and portfolio management. We want to see how your skills align with the specific responsibilities mentioned in the job description.
Showcase Relevant Experience: When detailing your work history, focus on your achievements in managing stressed assets and risk mitigation. Use concrete examples that demonstrate your ability to drive financial performance and improve operational efficiency.
Be Clear and Concise: Keep your application straightforward and to the point. We appreciate clarity, so avoid jargon and ensure your key points stand out. This will help us quickly understand your qualifications and fit for the role.
Apply Through Our Website: Don’t forget to submit your application through our official website! It’s the best way for us to receive your details and ensures you’re considered for the position. Plus, it helps us keep everything organised!
How to prepare for a job interview at Standard Chartered
✨Know Your Numbers
As an Executive Director in Credit & Portfolio Management, you'll need to be on top of financial metrics. Brush up on key performance indicators like RoRWA and RoTE, and be ready to discuss how you've driven financial performance in previous roles.
✨Showcase Your Strategic Mindset
Prepare to talk about how you've developed and implemented strategies in your past positions. Think about specific milestones you've set and how you tracked progress. This will demonstrate your ability to lead the Stressed Asset Group effectively.
✨Risk Management is Key
Be ready to discuss your experience with risk management frameworks. Highlight examples where you've successfully identified and mitigated risks, especially in stressed asset scenarios. This will show that you understand the importance of compliance and governance.
✨Collaborative Spirit
This role requires working closely with various stakeholders. Prepare examples of how you've collaborated with teams across different functions, such as Risk and Finance. Emphasise your ability to build relationships and drive collective success.
